Hsbs Banking Scam
Analysis of banks by Using Ratios
Submitted by
B. Vinod Kumar
1221509
Yes Bank Ltd. Mar-12 Interest income 63,073.50 Interest paid 46,917.20 net intrest income 16,156.30 non int revenue 8,585.60
ATA 663163.3 revenue/ATA or asset utilization 10.81% exp ratio = tot op exp/ATA 4.28% tax/ATA 0.55% prov/ATA 0.16%
ROA 1.33%
NIM=NII/ATM 2.44%
ROE=PAT/Networth 20.89%
Burden -918.11
CASA ratio 18.9%
AXIS Mar-12 net int income 219,946.50 non int income 54,416.50 revenue 274,363.00
ATA 2641984.5 int paid 139,769.00 reve/ATA or asset util 10.38% exp ratio = tot op exp/ATA 7.44% tax/ATA 0.66% pro/ATA 0.61%
ROA 1.61% avg equity 209036.9
ROE= NP/avg equity 16.21% leverage=ATA/avg equity 12.638842
NIM=NII/ATA 0.0832505 burden=op exp-other income 196,233.10
CASA ratio 18.96%
Introduction
Axis bank This is one of the leading banks in Indian banking sector. It is having 1622 branches and it is having more than 9924 ATMs it spread across 1050 centers over the India. In the credit more than 75 percent loans for the home loans. The growth in total deposits around 33%.
Source : Axis bank annual report
Yes bank Yes bank one of the private banks in Indian banking Industry it is having around 403 branches and 951 ATMs in India. Loan amount around 46999 corer rupees deposits are 66955 crore rupees.
Source : Yes bank annual report
Interpretation :
Net income of AXIS bank is 219,946.50 crore rupees and for the YES bank is 63,073.50 crore rupees AXIS bank was established in the year 1994 but YES bank was established in 2003- 2004 but it was started operations in 2009. Compared to Yes bank Axis bank is operating well.
Asset utilization ratio:
If we look at asset utilization ratio Yes bank is doing well compared to the Axis bank. For AXIS it is 10.38% and for the YES bank it is 10.81% that means that Yes bank is using each and every asset very usefully compared to the AXIS . They are getting
Submitted by
B. Vinod Kumar
1221509
Yes Bank Ltd. Mar-12 Interest income 63,073.50 Interest paid 46,917.20 net intrest income 16,156.30 non int revenue 8,585.60
ATA 663163.3 revenue/ATA or asset utilization 10.81% exp ratio = tot op exp/ATA 4.28% tax/ATA 0.55% prov/ATA 0.16%
ROA 1.33%
NIM=NII/ATM 2.44%
ROE=PAT/Networth 20.89%
Burden -918.11
CASA ratio 18.9%
AXIS Mar-12 net int income 219,946.50 non int income 54,416.50 revenue 274,363.00
ATA 2641984.5 int paid 139,769.00 reve/ATA or asset util 10.38% exp ratio = tot op exp/ATA 7.44% tax/ATA 0.66% pro/ATA 0.61%
ROA 1.61% avg equity 209036.9
ROE= NP/avg equity 16.21% leverage=ATA/avg equity 12.638842
NIM=NII/ATA 0.0832505 burden=op exp-other income 196,233.10
CASA ratio 18.96%
Introduction
Axis bank This is one of the leading banks in Indian banking sector. It is having 1622 branches and it is having more than 9924 ATMs it spread across 1050 centers over the India. In the credit more than 75 percent loans for the home loans. The growth in total deposits around 33%.
Source : Axis bank annual report
Yes bank Yes bank one of the private banks in Indian banking Industry it is having around 403 branches and 951 ATMs in India. Loan amount around 46999 corer rupees deposits are 66955 crore rupees.
Source : Yes bank annual report
Interpretation :
Net income of AXIS bank is 219,946.50 crore rupees and for the YES bank is 63,073.50 crore rupees AXIS bank was established in the year 1994 but YES bank was established in 2003- 2004 but it was started operations in 2009. Compared to Yes bank Axis bank is operating well.
Asset utilization ratio:
If we look at asset utilization ratio Yes bank is doing well compared to the Axis bank. For AXIS it is 10.38% and for the YES bank it is 10.81% that means that Yes bank is using each and every asset very usefully compared to the AXIS . They are getting